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          <p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">交易资金汇总账户：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">是电商平台用于集中存放买卖双方交易结</span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;">算资金的账户；在资金清算上是电商平台全部买卖双方交易结</span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;">算资金的统一管理和清算的账户，该账户中的资金为电商平台</span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;">的买卖双方所有，只得用于买卖双方存取款、电商平台交易的</span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;">清算交收和收取佣金手续费等用途。该账户是以电商平台名义</span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;">在乙方开立的人民币一般结算账户，但仅接受电商平台支付确</span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;">认指令作为唯一出金方式，该账户不得提现，不得开立网银、</span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;">银企直连、手机银行等电子渠道；除系统应急需要外，也不得</span></p><p style="font-size:18px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">受理柜面对外资金划转，不得办理通兑业务。</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;"></span></p><p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;"><br></span></p>
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          <p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">会员账户：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">指甲方在其电商平台为每个会员分别建立的账户，并通过与乙方的系统接口，向乙方完成在线登记，电商平台会根据会员订单状态，实时更新会员账户额度。</span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;"><br></span></p>
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          <p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">会员绑定银行账户（以下简称绑定账户）：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">指甲方会员指</span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;">定的与其会员账户一一绑定的银行结算账户，专门用于接收其从</span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;">交易资金汇总账户中提取的资金。会员应在电商平台注册时向甲</span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;">方提供该账户信息并由甲方按照相关约定向乙方提供。</span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;"><br></span></p>
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          <p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">订单：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">买方会员在电商平台上购买卖方提供商品或服务时，与卖</span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;">方就购买的商品或服务的金额、标准和支付方式等予以具体约定</span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;">的交易凭据。</span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;"><br></span></p>
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          <p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">订单支付：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">指买方会员按照订单信息通过网上支付、汇款支付等</span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;">方式将相关款项转入交易资金汇总账户，并统计至其会员账户额</span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;">度的过程。</span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;"><br></span></p>
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          <p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">支付确认：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">指买方会员完成订单支付后，经甲方确认订单标的交</span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;">收完成后，由甲方向乙方发送订单确认支付指令，乙方从交易资金</span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;">汇总账户中将订单确认资金划往卖方会员绑定银行账户中。</span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;"><br></span></p>
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          <p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">订单退款：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">指买方会员完成订单支付后，根据订单标的交收结果，</span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;">在支付确认前由甲方向乙方发送订单退款指令，乙方从交易资金汇</span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;">总账户中将订单确认资金划回买方会员的订单支付付款账户中。</span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;"><br></span></p>
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          <p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">账户管理：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">账户管理功能包括电商平台的会员账户登记、结算账户绑定、账户查询等。甲方负责会员在其电商平台的注册、修改、删除等。甲方通过接口方式向乙方发送会员开立、修改等指令。乙方收到接口指令后，完成会员信息登记。买卖双方可通过电商平台查找其会员账户信息；如果是乙方网银客户，可通过乙方网银查询其会员账户信息。</span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;"><br></span></p>
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          <p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">订单管理：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">甲方负责接受客户下达的生成订单的指令，负责订单信息登记、跟踪，以及订单标的交收等，并将订单明细信息通过联网系统实时通知乙方更新。乙方根据甲方提供的订单信息，对订单信息中的买卖双方会员信息进行核对。如果订单信息与乙方登记信息不一致，则直接拒绝并返回错误信息至甲方。</span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;"><br></span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;"><br></span></p>
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          <p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">支付管理：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">完成订单登记后，买方会员可通过网上支付、汇款支付等支付方式，在乙方或其他银行提供的网上银行、柜面、手机银行等渠道办理订单支付业务。买方会员完成订单支付后，交易资金根据买方选择的支付方式进入交易资金汇总账户，买方可通过电商平台进行支付确认。乙方接受到电商平台发来的支付确认指令后，将交易资金从交易资金汇总账户划入卖方绑定的结算账户，更新会员余额和订单信息，并同步通知甲方更新订单信息。</span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;"><br></span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;"><br></span></p>
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          <p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">支付路由：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">支付通道管理，产品管理，路由规则管理；</span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;">支付路由作为整个新支付系统中的一部分，为外部业务系统提供底层业务支持。同时承担一个支付的收益管理职能。支付路由致力于提高用户支付成功率，达到自动熔断、智能分流、高并发处理等，完成支付成本最低的选择。</span></p><p style="font-size:16px;"><span style="font-family:'ArialMT', 'Arial';font-weight:400;"><br></span></p>
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          <p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">支付手续费</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;font-size:14px;">：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">内收-在交易费用中直接扣除；外扣-在交易完成后单独扣除</span></p>
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          <p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">客户备付金</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;font-size:14px;">：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">支付机构为办理客户委托的支付业务而实际收到的预收预收代付货币资金。当你在网上购买一件商品时，在确认收到货之前，你支付的货款是一直存放在支付公司的账户上，就是我们常说的“客户备付金”。</span></p>
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          <p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">备付金银行：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">是指与支付机构签订协议、提供客户备付金存管服务的境内银行业金融机构，包括</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;font-size:16px;">备付金存管银行</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">和</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;font-size:16px;">备付金合作银行</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">。其中</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;font-size:16px;">备付金存管银行</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">是指可以为支付机构办理客户备付金的跨行收付业务，并负责对支付机构存放在所有备付金银行的客户备付金信息进行归集、核对与监督的备付金银行。存管银行只能有一家。</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;font-size:16px;">备付金合作银行</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">是指可以为支付机构办理客户备付金的收取和本银行支取业务，并负责对支付机构存放在本银行的客户备付金进行监督的备付金银行。合作银行可以有多家。</span></p>
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          <p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">存管账户：</span></p><p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">开立限制：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">支付公司在一个省，直辖市，自治区范围内，只能在其合作的备付金存管银行开立一个存管账户。啥意思呢？举个栗子，光大银行是我司的备付金存管银行，那么我司在光大银行北京分行、上海分行都可以开一个存管账户。</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;"></span></p><p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">功能限制：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">不管是收款退款还是对外付款存管账户都可以做。所以三类账户中有且仅有存管账户有资格进行跨行付款。</span></p>
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          <p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">收付账户：</span></p><p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">开立限制：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">支付公司在同一备付金合作银行只能开立一个收付账户。</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;"></span></p><p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">功能限制：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">相比汇缴账户，收付账户的能力要相对强一些。收付账户不仅具备汇缴账户的收款退款功能，更可以根据客户需求从该账户进行同行划转。</span></p>
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      <!-- Unnamed (矩形) -->
      <div id="u32" class="ax_default _三级标题">
        <div id="u32_div" class=""></div>
        <!-- Unnamed () -->
        <div id="u33" class="text" style="visibility: visible;">
          <p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">汇缴账户：</span></p><p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">开立限制：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">要求相对其他账户较低，基本上在备付金银行（不论是否备付金存管银行）都可以开立。</span></p><p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">功能限制：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">汇缴账户只能用于本行收款及原路退回。</span></p>
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      <div id="u34" class="ax_default _三级标题">
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        <!-- Unnamed () -->
        <div id="u35" class="text" style="visibility: visible;">
          <p><span>支付路由</span></p>
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      <!-- Unnamed (矩形) -->
      <div id="u36" class="ax_default label">
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        <!-- Unnamed () -->
        <div id="u37" class="text" style="visibility: visible;">
          <p><span>（1）提升支付成功率（通道总有坏的时候）；</span></p><p><span>（2）自动熔断机制（故障通道及时熔断）；</span></p><p><span>（3）智能分流，处理高并发、大吞吐；</span></p><p><span>（4）成本控制，选择成本最低的通道</span></p>
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      <div id="u38" class="ax_default _三级标题">
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        <!-- Unnamed () -->
        <div id="u39" class="text" style="visibility: visible;">
          <p><span>支付安全</span></p>
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      <!-- Unnamed (矩形) -->
      <div id="u40" class="ax_default label">
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        <div id="u41" class="text" style="visibility: visible;">
          <p><span>1.单点登录、异地登陆提醒</span></p><p><span>2.密码防撞库验证</span></p><p><span>3.更换银行卡验证</span></p><p><span>4.账号脱敏</span></p>
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      <!-- Unnamed (矩形) -->
      <div id="u42" class="ax_default _三级标题">
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        <!-- Unnamed () -->
        <div id="u43" class="text" style="visibility: visible;">
          <p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">交易流水：</span></p><p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">交易主体：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">即发起本次交易的出款的用户，一般是记录ID、姓名等信息。</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;"></span></p><p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">交易账户：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">即用户购买时使用的出款的账户，这是用户在工商银行的卡，实际账户是建立在工行，但在电商系统中，为了便于结算，为这个账户建立一个代理。这个账户在系统中的ID是10001（数据本身无其他含义）</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;"></span></p><p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">交易对手：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">一般记录部门的ID、名称等信息。</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;"></span></p><p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">结算收益： </span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">交易对手能够拿到的金额。这里是 支付金额-渠道费用，即99.9元</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;"></span></p><p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">对手账户：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">即产品的收款账户，为了便于结算，公司一般会对每项业务设置独立的结算账户。这个账户在系统中的ID是 20001（数据本身无其他含义）。</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;"></span></p><p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">交易渠道：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">即工商银行的快捷支付，还需要记录渠道的ID， 名称等；</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;"></span></p><p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">渠道结算账号：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">这也是个代理账号，记录在渠道侧的交易流水。</span></p><p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">渠道提交时间：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">请求渠道执行支付的时间</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">；</span></p><p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">渠道支付时间：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">渠道一般会在返回的报文中说明本次交易的执行时间。 如果没有，则使用渠道的支付接口返回时间。</span></p><p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">渠道费率：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">渠道的手续费，这里假定工行是按支付金额收费，比例为支付金额的0.1%。</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;"></span></p><p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">渠道费用：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">这里是支付金额*手续费率， 即0.1元。</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;"></span></p><p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">发起交易日期：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">即用户提交订单后，产品业务调用支付系统接口执行支付的时间。</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;"></span></p><p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">执行交易日期：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">即支付系统接口调用时间。</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;"></span></p><p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">支付截止日期：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">必须在此日期前完成支付。</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;"></span></p><p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">订单信息：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">在本例子中是会员卡，一般需要记录业务方订单ID、名称、内容等信息。</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;"></span></p><p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">订单金额：</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">提交过来的原始订单的金额</span><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;"> </span></p><p style="font-size:18px;"><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">支付金额： </span><span style="font-family:'ArialMT', 'Arial';font-weight:400;font-size:16px;">用户实际支付的金额，涉及优惠券、打折卡、余额支付等</span></p>
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        <!-- Unnamed () -->
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          <p><span>&nbsp;对于切分点附近无法确认的帐，做一个时间窗，在时间窗</span></p><p><span>内的数据，留待第二天对账时继续处理。</span></p>
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      <div id="u46" class="ax_default _三级标题">
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        <!-- Unnamed () -->
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          <p><span>轧帐</span></p>
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      <!-- Unnamed (矩形) -->
      <div id="u48" class="ax_default _三级标题">
        <div id="u48_div" class=""></div>
        <!-- Unnamed () -->
        <div id="u49" class="text" style="visibility: visible;">
          <p><span style="font-family:'ArialMT', 'Arial';font-weight:400;">&nbsp;针对交易记录的对账的处理，主要有如下情况：</span></p><p><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">本地未支付，支付渠道已支付</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;">：这主要是本地未正确接收到渠道下发</span></p><p><span style="font-family:'ArialMT', 'Arial';font-weight:400;">的异步通知导致。 一般处理是将本地状态修改为已支付，并做响应的</span></p><p><span style="font-family:'ArialMT', 'Arial';font-weight:400;">后续处理，比如通知业务方等。</span></p><p><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">本地已支付，支付渠道已支付</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;">：但是金额不同，这个需要人工核查。</span></p><p><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">本地已支付，但是支付渠道中无记录；或者本地无记录，支付渠道有</span></p><p><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">记录</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;">：在排除跨日因素外，这种情况非常少见，需要了解具体原因后做</span></p><p><span style="font-family:'ArialMT', 'Arial';font-weight:400;">处理。</span></p><p><span style="font-family:'ArialMT', 'Arial';font-weight:400;">针对退款的对账处理，主要有如下情况：</span></p><p><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">本地未退款，支付渠道已退款</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;">：则以支付渠道为准，修改本地为已退款</span></p><p><span style="font-family:'ArialMT', 'Arial';font-weight:400;">状态，并触发后续处理。</span></p><p><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">本地已退款、支付渠道已退款</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;">：但是金额不同，需要人工核查；</span></p><p><span style="font-family:'Arial-BoldMT', 'Arial Bold', 'Arial';font-weight:700;">本地已退款，但是支付渠道无记录</span><span style="font-family:'ArialMT', 'Arial';font-weight:400;">：或者支付渠道有记录，但是本地没</span></p><p><span style="font-family:'ArialMT', 'Arial';font-weight:400;">有。 在排除跨日因素外， 这种情况非常少见，需要了解具体原因后做处</span></p><p><span style="font-family:'ArialMT', 'Arial';font-weight:400;">理。</span></p>
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          <p><span>平帐-尽量自动处理</span></p>
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